Welcome to Gocente. These Terms of Use (“Terms”) govern your access to and use of the services provided via www.sproutpay.net (the “Website”) and through the Gocente platform (collectively, the “Services”). By accessing or using any part of our Services, you agree to be bound by these Terms.

Gocente is a financial technology product owned and operated by Sproutvest Group.

1. Description of Services

Gocente is a payment aggregator and online savings platform offering the following services:

• • Payment Aggregation: Users can send and receive online payments through our platform.
• • Virtual Cards: We provide virtual payment cards for payments in USD & other foreign currencies.
• • Savings Products: We offer digital savings products also.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our Services. By using the Services, you represent and warrant that you meet these eligibility requirements.

3. Registration and Account Security

To use certain features, you may be required to create an account. You agree to:

• • Provide accurate, current, and complete information.
• • Maintain the security of your account credentials.
• • Promptly update your account details if there are any changes.
• • Be responsible for all activities under your account.

Gocente is not liable for any loss or damage arising from your failure to protect your account.

4. Use of Services

You agree to use the Services only for lawful purposes. You may not:

• • Use the Services for fraudulent, illegal, or unauthorized purposes.
• • Violate any applicable local, state, federal, or international laws or regulations.
• • Attempt to interfere with the integrity or performance of the Services.

Gocente reserves the right to suspend or terminate your access if you violate these Terms.

5. Partnerships and Licensing

• • Our payment processing and virtual card services are operated through licensed EMI partners.
• • Our savings products are provided in partnership with a Banking partner & SEC-licensed financial operator.

Gocente does not itself hold a banking or securities license; all regulated services are facilitated through these licensed partners.

6. Fees and Charges

Fees may apply to certain services, such as card issuance, transaction processing, or withdrawals. All applicable fees will be transparently communicated on the Website or app. By using these services, you agree to the applicable fees.

7. Privacy

Your use of our Services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. Please review it carefully.

8. Intellectual Property

All content on the Website and Services, including logos, software, and trademarks, is the property of Gocente or its licensors. You may not copy, distribute, or use any content without prior written permission.

9. Disclaimers

The Services are provided on an “as is” and “as available” basis. We do not warrant that the Services will be error-free, uninterrupted, or secure. Your use is at your own risk.

Gocente disclaims any liability for losses incurred through partner services, third-party delays, or system outages.

10. Limitation of Liability

To the maximum extent permitted by law, Gocente and its affiliates, directors, employees, or agents shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of the Services.

11. Termination

Gocente may suspend or terminate your account or access to the Services at any time for any reason, including violation of these Terms. Upon termination, your right to use the Services will cease immediately.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Belize.

13. Changes to Terms

Gocente reserves the right to modify or update these Terms at any time. We will notify you of significant changes by posting them on our Website or via email. Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

14. Contact Information